Insurance frustration

Cr0fty

Cr0fty

Cr0fty

Soldato
Joined
26 Sep 2007
Posts
3,583
I am a 17 year old muppet who has passed his test, and will be ragging my car until its' untimely doom very shortly due to my inability to drive. . . Or so it would seem. :mad:

My best insurance quote so far was £1900 a year on an annual payment. The car was a 1985 Polo 1l. I had no intention of getting the Polo, I was just trying several cars. The other cars which I was trying ( With a previous intention of getting ) were Megane 1.4 / 1.6 8 Valve - £2300, £2400 for a Rover 214, £2300 for a 1.4 306. Even a fiesta 1.25 came out at £2350 I believe :S

And now after trying the major sites, phoning up Adrian Flux, Admiral, Elephant, Tesco ( My dads' insurers ), The Post Office ( Stepdad's insurers ), and several of the companies mentioned in the magazine when you pass, with some supposed young driver discount policies. These all returned between £2500 and £4500, which was from the post office.

^The above was with me as policy holder and main driver, 7k miles a year, stepdad or dad as named drivers (tried both...) who have both over 20+yrs of driving. My postcode isn't even bad! It is the second best I believe.

I am left feeling rather annoyed and gutted that I can't drive, I had my last college exam today and was chuffed about being able to get a car today! Tomorrow will now consist of me being on the phone all day trying to get a quote under £1800 or thereabouts :p

Disclaimer: Before people inform me of the risk I potentially am, I know. This is just a general rant at the money which I have to pay in order to drive a car. It was a frustrating day today :@ :mad:
 
Woah that is a lot of money!

With admiral, elephant and bell...add both as named drivers or try to add your mother. You will get even more off then, well I did by adding both of mine as opposed to just one.
 
And insurance companies wonder why young people front...

Although tbh, i'm not entirely sure if that £1900 is just because young drivers are high risk, or because insurance companies know they can make a quick buck.
 
With the 1985 polo you could get a classic policy from someone like footman james and completely destroy all your other quotes... I pay £650 TPFT for the Mini :)
 
Hxc said:
With the 1985 polo you could get a classic policy from someone like footman james and completely destroy all your other quotes... I pay £650 TPFT for the Mini :)
Click to expand...

Yeah but then surely it screws him a little in a few years ? Unless I'm mistaken in thinking classic polices dont build NCB
 
ste_bla said:
Yeah but then surely it screws him a little in a few years ? Unless I'm mistaken in thinking classic polices dont build NCB
Click to expand...

Makes next to no difference for me. Ran quotes on Bell for the Mini in year 2 and with NCB I get 600~ fully comp, without, £850. Well worth the initial saving in the first year, from everything I've tried.
 
When you say all the major sites, do you mean comparison ones or just sites for large insurers? If the latter, have a look at this page and try some of the comparison sites there. Are you getting fully comp or tpf+t? Sometimes fully comp may be cheaper for some reason.

Also you might want to try a few other cars popular with youngsters, like puntos, corsas, astras etc, maybe even try a quote for a mondeo :p
 
Hxc, i'm not seriously looking at getting the Polo, my sister's bf has an old school one and well ... that's reason enough not to get one :p

Unfortunately mumsy doesn't drive, otherwise she would be on there! I have tried fully comp / tpft and also been getting quotes with and without pass plus, for some places it means nothinig, for others it has brought it down 10-20%.

I shall ring Quinn as I know a couple of people insured by them, and after that I have a Max Power magazine which my instructor said had a few companies in to try. I'll keep at it !!
 
Will it make you feel better to know I insure the Porsche for 500 quid


Then again I will be dead long before you :p
 
Front for a couple of years. People on here will slate this as an option but legally you are very unlikely to get into any trouble. As shown above later on NCB doesnt really make much difference anyway.
 
Jez said:
Front for a couple of years. People on here will slate this as an option but legally you are very unlikely to get into any trouble. As shown above later on NCB doesnt really make much difference anyway.
Click to expand...

To be honest, with prices like these it really isn't hard to see why so many people do this. Will most insurance companies however not clock this? I'm pretty sure they are rather clued up on it...
 
Cr0fty, I was in the same position as you with a much worse postcode 2 years ago.

The legal option: Use Bell and add 2 named drivers (preferably females) with ****loads of NCB which will help to reduce the price.

The illegal option: Use bell, put someone down as the main driver with ****loads of NCB and add yourself and 1 other named driver who also has ****loads of NCB.

With the second method I got my first years insurance for £1.6k, which although it seems expensive, was £1k cheaper than the next option.

It should be even cheaper for you as I live in the worst postcode outside of Northern Ireland.
 
I am in the same position as you, I recently passed my test and it looks like its going to cost a stupid amount to insure a car but I guess we just have to put up with it and pay up :/
 
My girlfriends 19 year old son recently got a quote - just out of curiosity - for my e36 328i - nearly £8k !!! :eek::eek::eek:

He thought this was most unfair as I only pay £240 f/c.

I pointed out to him that I'd love to be 19 again, even if it did mean I could only afford something like a 1.0 Nova which iirc was still quoted for him @ around £1400! :(
 
Jez said:
Front for a couple of years. People on here will slate this as an option but legally you are very unlikely to get into any trouble.
Click to expand...

Unless he has an accident and the insurance company are suspicious, which they will be if he's not the main driver. Now lets see...what age group is most likely to have an accident?

Excellent advice Jez, just perfect. :rolleyes:
 
You must log in or register to reply here.
Back
Top Bottom